I’m healthy, why should I pay for health insurance? Adler Insurance in Prescott.

Why it might sound counter intuitive for a healthy person to keep a health insurance policy, Adler Insurance would like to share why healthcare is important even to healthy individuals.

It’s the law:

Probably the most logical reason to keep or acquire healthcare is that it's required for all Americans to obtain health insurance under the Affordable Care Act (Obamacare). Not having healthcare will result in a hefty penalty that will be determined by your taxable income.

You can’t predict the future.

In all honesty, you'll never know what is going to happen in the future. It is possible that you can get sick or even get a deadly disease. Without health insurance, the expenses would pile up very quickly. Some Americans have even died because they where unable to pay for the medical care they desperately needed.

If would be cost effective in the long run.

If you have health insurance you will be more likely to get regular checkups, in which would make it easier to spot potential health issues down the road. Prevention now could prevent a medical crisis in the future.

It’s considerably cheaper to purchase healthcare when you’re healthy

The healthier you are right now the cheaper your premiums will be. If you already have an illness, your coverage costs could go way up. That is why it could be important to keep health insurance when you are healthy because you might not be able to afford it when you have a major decease or illness.

At Adler Insurance, our experienced agents can help you with all your health insurance needs in Prescott AZ. We have an experienced staff evaluating our clients’ situations and can find heath insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455 or visit our website at: http://www.adlerlifehealth.com/

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Medicare Advantage Plan, Adler Insurance of Prescott

Adler Insurance would like to share the benefits of the Medicare Advantage plan and why it may save you money. If you are still enrolled in the original Medicare plan, it may be costing you unnecessary out-of-pocket expenses. This is because the original Medicare plan had no cap on your annual out-of-pocket exposure.

If you do not have a Medicare Advantage plan (also known as Part C), it is a lower-cost alternative plan that also offers more benefits then the old Medicare plan. Most people over the age of 65 are eligible for the Medicare Advantage Plan, there is usually no medical questions asked when applying for coverage.

The nice thing about the Medicare Advantage plan is that it includes benefits provided by Part A and Part B, as well as a slew of additional benefits, like prescription drug coverage. A very important benefit of Part C, is that it is usually less expensive and offers predictable costs. Plan C includes a set co-payment and out-of-pocket maximums so there is no guess work. There are no surprise medical expenses.

Many Medicare Advantage Plans are what are Fee-for-Service Plans, which means that there is a co-payment charged for most services, including office visits, tests, treatments, and hospitalizations. A yearly limit to the amount you can be charged in co-payments for in-network medical services are normally covered under Medicare Parts A and B.

Medicare Advantage Plan Part C lets you go to any doctor that accepts your plan. Most Medicare Advantage Plans include a wide variety of services:

    X-Rays
    Laboratory Tests
    Therapies
    Care From Specialists
    Hospital Admissions
    Follow-Up Care

At Adler Insurance, we are experts when it comes to Medicare Advantage Plans in Prescott Valley, AZ. We have the most experienced agents evaluating our clients’ situations and can recommend insurance coverage that will meet your needs and stay within your budget. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/

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Medicare Insurance Agent in Prescott

Having trouble finding the ideal life Insurance plan? Adler Insurance in Prescot can help!

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance... the list and combinations seem to be endless. At Adler Insurance we want to help you determine which insurance policy type is right for you. Our dedicated team of professionals understands the Arizona market and its regulations. We can find the right plan that will fit your unique needs.

Term and Whole Life Insurance

This type of insurance will cover you or a group for a "term" or period of your life. With this class you will get lower premiums for higher coverage. Be aware that rates can change after specific terms expire. Term life insurance has no equity and cash value.

With whole life insurance, protection carries with your whole life for a set premium. This class can actually build equity and has a cash value. Be aware that whole life insurance has higher premiums than term life, but can be more valuable in the long run.

You can also get a hybrid in which Term and whole life combined into one plan, this will build a lifelong base of whole live coverage and can supplement specific times of your life with term insurance.

We have many Life Insurance Providers to choose from:

• EMC National Life
• West Coast Life
• Mutual Of Omaha

We are committed to helping you understand the complexities of life insurance plans and providers. With our knowledge and dedication to customer service, we will provide you with the most comprehensive life insurance plans at affordable rates.

It is our goal to help you make a wise decision about your life insurance coverage. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com/


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